Calculate how much it will cost to decorate the house. For housing loans, many people prefer provident fund loans, but the amount of provident fund loans is limited, which is often not enough to pay all the house payment. So some people will choose provident fund loans and commercial housing loans together, which is the so-called portfolio loans. So can a portfolio loan buy a house? Next, Bian Xiao will briefly introduce it to you. 1, you can apply for a portfolio loan to buy a house. Applying for portfolio loan usually requires the applicant to meet the conditions of both commercial loan application and housing provident fund loan. For example, the lender pays a certain number of years of housing provident fund, good personal credit and the ability to repay the principal and interest of the loan. The interest rate of portfolio loans is low, but the procedures will be relatively complicated. 2. When buyers usually apply for housing provident fund, the loan amount provided by the provident fund is not enough, so the remaining house payment will apply to the bank for housing commercial loans. For example, we need a loan of 900,000 yuan to buy a house, and the housing provident fund can only provide a loan amount of 600,000 yuan, so the remaining 300,000 yuan can apply for a commercial housing loan from the bank. When applying for housing portfolio loans, we should pay attention to the fact that the life of commercial loans and provident fund loans need to be consistent. 3. If you want to apply for housing portfolio loans, you need to apply for commercial loans and provident fund loans at the bank designated by the provident fund center. Because banks don't allow buyers to mortgage a property to two different banks at the same time. If you want to get the bank's approval for lending quickly, it is best not to choose the form of portfolio loan. Because portfolio loans involve provident fund loans, and provident fund loans usually take a long time to approve and lend slowly. 4. As far as other loan methods are concerned, the interest rate of portfolio loan will be relatively low, which is a loan method with high cost performance. However, the procedures are responsible, and the mortgage time of banks is longer than that of commercial loans. When choosing a loan method, you can compare the advantages and disadvantages of different loans and choose the loan method that suits you best. Bian Xiao concluded: Regarding buying a house, can I combine loans? Bian Xiao introduced it here. I hope that after reading this article, you can understand the portfolio loan. Enter the area and get the decoration quotation for free. Enter the area and get the decoration quotation for free.

2. Can I use a portfolio loan to buy the first suite (new house)?

Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.

Generally speaking, portfolio loans can be used, mainly depending on whether the seller accepts the buyer's use of provident fund loans, because the current provident fund loans do have the problems of long process and slow lending. When the seller accepts the buyer's provident fund loan (whether it is a second-hand house individual seller or a first-hand house real estate developer) and the buyer meets the provident fund loan policy, both the first suite and the non-first suite can use the combined loan.

In fact, the most common situation of using portfolio loans is that the amount of provident fund loans is insufficient, and commercial loans are needed to make up the difference.

Third, can a portfolio loan buy a house?

Calculate how much it will cost to decorate your home.

For housing loans, many people prefer provident fund loans, but the amount of provident fund loans is limited, which is often not enough to pay all the house payment. Therefore, housing loans with jobs are put together, which is called portfolio loans. Then the next small series will briefly introduce it to you.

1, you can apply for a portfolio loan to buy a house. Usually, applicants are required to meet the application conditions for commercial loans, but also meet the requirements of continuous payment of housing provident fund loans for a certain number of years, and the housing enterprises have the ability to repay the loan principal and interest. The interest rate of portfolio loans is low, but the procedures will be relatively complicated.

2. When buyers usually apply for housing provident fund, the loan amount provided by the provident fund is not enough, so the remaining house payment will apply to the bank for housing commercial loans. For example, the housing provident fund can only provide a loan amount of 600,000, and the remaining 300,000 can apply to the bank for housing commercial loans. When applying for housing portfolio loans, we should pay attention to the fact that the life of commercial loans and provident fund loans need to be consistent.

3. If we want to apply for a loan from a bank designated by the Provident Fund Center. Because banks don't allow buyers to mortgage a property to two different banks at the same time. If you want to get the bank's approval for lending quickly, it is best not to choose the form of portfolio loan. Because portfolio loans involve provident fund loans, and provident fund loans usually take a long time to approve and lend slowly.

4. As far as other loan methods are concerned, it is a combination loan method. However, its procedures are responsible. Compared with commercial loans, banks can compare the advantages and disadvantages of different loans and choose the most suitable loan method.

Bian Xiao concluded: Regarding buying a house, can I combine loans? Bian Xiao introduced it here. I hope Tong Jia can understand some portfolio loans.

Enter the area and get the decoration quotation for free.

Enter the area and get the decoration quotation for free.

4. Can I apply for a portfolio loan to buy a house?

The application conditions for portfolio loans are relatively strict. Before applying for a loan, the borrower must first assess whether his situation meets the requirements of commercial loans and provident fund loans.

1. Can I apply for a provident fund loan to buy a house?

Borrowers applying for provident fund loans to buy a house in Beijing must meet three preconditions:

1) Housing accumulation fund has been opened for more than one year, and it has been continuously paid 12 months;

2) Still in the "deposit state";

3) There are no outstanding provident fund loans or policy discount loans.

In addition, there are two situations where you can apply for provident fund loans: retired employees or renovated houses.

At the same time, the borrower cannot have outstanding policy discount loans.

2. Can I apply for a commercial loan to buy a house?

If you want to apply for a commercial loan in Beijing, you need to look at the requirements of various banks. Under normal circumstances, banks will impose restrictions on borrowers, houses purchased and sellers.

1. Borrower:

1) has legal and valid identification.

2) Stable employment and income

3) proof of income that can pay twice the monthly payment.

4) Some banks do not accept loans from minors to buy houses.

Different banks have different age requirements for borrowers, and the scope of acceptance is also somewhat different.

2. Seller:

1) If the seller divorces, it is necessary to specify the ownership of the property in the divorce agreement or judgment. If property ownership is not involved, the former spouse is required to be present.

2) If the seller is a minor, some banks will not accept it.

3. House purchased:

1) The address of the house purchased is limited, and some banks do not accept houses in remote suburban counties.

2) The house is mortgaged, and some banks refuse to accept it.

Third, what should I pay attention to when buying a house with a portfolio loan?

When buying a house with a portfolio loan, we must pay attention to our own conditions and the house we buy must meet the requirements of both commercial loan banks and provident fund loans, and choose the intersection of the two.

1. Housing area:

Commercial loans have requirements for housing area, and general banks do not accept less than 30_ (and housing area will affect the down payment ratio of commercial loans); No provident fund loan is needed.

2. Is the house mortgaged:

Commercial loan banks can generally accept mortgaged houses, as long as the mortgage can be lifted before the transfer; Provident fund loans need to be mortgaged first and then evaluated.

3. Term of the loan:

The loan life of commercial loans is related to the age of the house and the life of the lender: banks have different requirements. The calculation of the loan period of provident fund is related to the age of the house, the age of the borrower and the type of house structure. When borrowers apply for portfolio loans, they need to ensure that the life of commercial loans and provident fund loans are the same. How to calculate the loanable period of provident fund loans?

4. Time when the seller gets the final payment

Compared with buyers who choose pure commercial loans and pure provident fund loans, portfolio loan sellers take longer to get the final payment. Under normal circumstances, the seller is in the process of changing houses, or there are other things that need money urgently, and will not agree to the buyer's taking a combined loan to buy a house.

Note: It is the third time for the borrower to apply for a provident fund loan by combining the state-managed provident fund with commercial loans. If it is less than 5 years since the last provident fund loan was paid off, the loan will be refused.

Sources: Beijing Housing Provident Fund Management Center, Housing Provident Fund Management Center of central state organs, China People's Bank.

This content is only applicable to Beijing.